Toyota RAV4 Insurance Rates

Is a Toyota RAV4 expensive to insure? The average cost to insure a Toyota RAV4 is $1,324 a year, or $110 a month. While these rates will depend on the model year, as 2015 Toyota RAV4 insurance costs will be different than 2020 Toyota RAV4 insurance costs, the rates shouldn’t be drastically different.

Read on to learn about what drivers can do to secure cheap car insurance and save on Toyota RAV4 insurance rates.

Before you buy Toyota Rav4 car insurance, shop around to find out how much does it cost to insure a Rav4 in your area.

If you want to leap right into finding the best, affordable Toyota RAV4 car insurance quotes, enter your five-digit ZIP code into our FREE online quote tool above.

The average insurance rates for a Toyota RAV4 are $1,030 a year for full coverage insurance. Comprehensive insurance costs on average $166 a year, collision costs $228, and liability insurance is estimated at $478. Liability-only coverage costs approximately $526 a year, with high-risk coverage costing $2,222 or more. Teen drivers cost the most to insure at $4,154 a year or more.

Average premium for full coverage: $1,030

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and RAV4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than larger metro areas.

The diagram below illustrates how your location can change car insurance rates.

The examples above illustrate why it is important to get quotes based on a specific location and risk profile, rather than relying on price averages.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below illustrates estimated Toyota RAV4 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $623
• Choosing higher $1,000 deductibles can save around $940 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,030
• Choosing low $100 deductibles for comp and collision coverage will cost an extra $172 a year
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,222 or more
• Policy cost for full coverage for a teen driver may cost $4,154 each year

View Chart as Image

Insurance rates for a Toyota RAV4 also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay upwards of $4,100 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota RAV4 insurance rates. A good driver about age 40 could pay as low as $680 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,390 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $270 each year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $430 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,200 to $1,800 additional every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 129% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, and rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find More Affordable Toyota RAV4 Insurance

Finding cheaper rates on Toyota RAV4 insurance takes avoiding accidents and violations, having a good credit history, being claim-free, and insuring your home and auto with the same company. Invest the time to shop around every couple of years by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a summary of the material that was illustrated above.

• Drivers who require higher liability limits will pay about $530 annually to raise limits from a 30/60 limit to 250/500 limits
• Teenagers pay higher rates, possibly costing $346 each month including comprehensive and collision insurance
• High-risk drivers who have multiple accidents or major violations pay an average of $1,190 more each year for car insurance
• Increasing comprehensive and collision deductibles can save around $250 each year

If you want to know what is the average price of a Toyota RAV4 based on your record and age, shop around to find cheap Toyota RAV4 rates.

The average insurance cost for a Toyota RAV4 will depend on your model year as well, as 2018 RAV4 insurance costs will be different than Toyota RAV4 2007 costs. When looking for Toyota Rav4 car insurance, the company you select will look at all of these criteria and more.

To reduce your rates, enter your ZIP code in our free online tool below to find cheap RAV4 auto insurance.

What are the safety ratings of the Toyota RAV4?

Great safety ratings and features can help reduce your Toyota RAV4 car insurance rates. Some of the best safety features on the Toyota RAV4 include multiple airbags, brake assist, blind-spot monitor, lane departure warning and assist, and cross-traffic alert.

The Insurance Institute for Highway Safety (IIHS) also gave the Toyota RAV4 a 2020 Top Safety Pick award. Take a look at the safety ratings for the crash tests on the Toyota RAV4 below.

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

Curious how the IIHS crash tests vehicles? Watch the video below.

See more details about the Toyota RAV4 crash test ratings from the National Highway Traffic Safety Administration in the table below.

A 5-star rating is the best possible score given by the National Highway Traffic Safety Administration. Overall, the Toyota RAV4 performed well. However, newer models received slightly better results than older models.

Toyota RAV4 Compared Against Other Vehicles in the Same Class

How much does it cost to insure a Toyota RAV4 with liability insurance? The answer depends on the liability losses. The IIHS found that in comparison to other small SUVs, the Toyota RAV4 has average liability losses.

See more specific details about the Toyota RAV4 insurance loss probability in the table below.

The lower the number, the better the insurance loss ratio. As previously mentioned, the Toyota RAV4 is average in almost every category. However, the personal injury insurance loss ratio is substantially worse than average.

To see how other small SUVs’ rates compare to the Toyota RAV4’s rates, check out the SUVs below.

• Ford Ecosport
• Hyundai Kona
• Hyundai Tucson

You are now an expert on securing affordable Toyota RAV4 car insurance rates. Are you ready to start shopping for your best rate?

To save on insurance rates, make sure to shop around, whether you are wondering about RAV4 insurance rates in Ontario or how much should you pay for a 2018 Toyota RAV4 coverage plan.

To get started, just enter your five-digit ZIP code into our FREE online quote tool to find the best Toyota RAV4 insurance rates.

References

1. https://www.iihs.org/ratings/vehicle/toyota/rav4-4-door-suv/2020